Before deciding whether to retain assets in a 401(k) or roll over to an IRA an investor should consider various factors including, but not limited to, investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock. View the FINRA Investor Alert for additional information.

E*TRADE credits and offers may be subject to U.S. withholding taxes and reporting at retail value. Taxes related to these credits and offers are the customer’s responsibility.

Offer valid for one new E*TRADE Securities Individual, Joint or Retirement account opened by December 31, and funded within 60 days of account opening with at least $10,000. Other restrictions may apply.

You will receive up to 500 free trade commissions for each stock or options trade executed within 60 days of the deposited funds being made available for investment in the new account (excluding options contract fees). You will pay $9.99 for your first 149 stock or options trades and $7.99 thereafter up to 500 stock or options trades (plus 75¢ per options contract). Your account will be credited for trades within a week, after paying the regular commission charge. Account must be funded within 60 days of account open.

Credits for cash or securities will be made based on deposits or transfers of new funds or securities from external accounts made within 45 days of account open, as follows: $1,000,000 or more will receive $2,500, $500,000 - $999,999 will receive $1,200; $250,000 - $499,999 will receive $600; $100,000-$249,999 will receive $300; $25,000-$99,999 will receive $200. Your account will be credited within one week of the close of the 45-day window.

You will not receive cash compensation for any unused free trade commissions. Excludes current E*TRADE Financial Corporation associates, and non-U.S. residents. This offer is not valid for Unincorporated Organization or E*TRADE Bank accounts. New funds or securities must remain in the account (minus any trading losses) for a minimum of six months or the credit may be surrendered. One promotion per customer. E*TRADE Securities reserves the right to terminate this offer at any time. Consult your tax professional regarding limits on depositing and rolling over qualified assets.

Offer valid for one new E*TRADE Securities Retirement account opened by December 31, and funded within 60 days of account opening with at least $10,000. Other restrictions may apply.

You will receive up to 500 free trade commissions for each stock or options trade executed within 60 days of the deposited funds being made available for investment in the new account (excluding options contract fees). You will pay $9.99 for your first 149 stock or options trades and $7.99 thereafter up to 500 stock or options trades (plus 75¢ per options contract). Your account will be credited for trades within a week, after paying the regular commission charge. Account must be funded within 60 days of account open.

Credits for cash or securities will be made based on deposits or transfers of new funds or securities from external accounts made within 45 days of account open, as follows: $1,000,000 or more will receive $2,500, $500,000 - $999,999 will receive $1,200; $250,000 - $499,999 will receive $600; $100,000-$249,999 will receive $300; $25,000-$99,999 will receive $200. Your account will be credited within one week of the close of the 45-day window.

You will not receive cash compensation for any unused free trade commissions. Excludes current E*TRADE Financial Corporation associates, and non-U.S. residents. This offer is not valid for business, Custodial, Estate, LLC, Sole Proprietorship, Unincorporated Organization or E*TRADE Bank accounts. New funds or securities must remain in the account (minus any trading losses) for a minimum of six months or the credit may be surrendered. One promotion per customer. E*TRADE Securities reserves the right to terminate this offer at any time. Consult your tax professional regarding limits on depositing and rolling over qualified assets.

Diversification does not ensure profit or protect against loss in declining markets. Investors should assess their own investment needs based on their own financial circumstances and investment objectives.

The Income Estimator is a tool provided to help you anticipate the potential dividends, capital gains, principal and interest income you may expect to receive based on your current account holdings. For dividends, the column entitled "Upcoming Payments" reflects either an "Estimated" amount, which is based solely on the last payment made by the issuer, or an "Announced" amount, which reflects the actual amount announced by the issuer. For capital gains, only those amounts that have been announced by the issuer will be provided. Interest payments and return of principal are calculated based on simple arithmetic formula derived from the rates and payment schedules set by the issuer and assume the issuer is not in default. As with any investment, there is no guarantee you will receive payments. Past performance is not an indication of future results.

Securities products and services offered by E*TRADE Securities LLC, Member FINRA/SIPC. Banking products and services are offered by E*TRADE Bank, a Federal savings bank, Member FDIC, or its subsidiaries. E*TRADE Securities LLC and E*TRADE Bank are separate but affiliated companies.

System response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance, and other factors.